The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   851,342 8,026 SH   SOLE 0 36 0 7,990
ABBVIE INC COM 00287Y109   1,162,035 6,381 SH   SOLE 0 0 0 6,381
ABRDN WORLD HEALTHCARE FUND BEN INT SHS 87911L108   693,840 52,444 SH   SOLE 0 1,450 0 50,994
ADVANCED MICRO DEVICES INC COM 007903107   884,420 4,900 SH   SOLE 0 0 0 4,900
ALBEMARLE CORP COM 012653101   543,013 4,122 SH   SOLE 0 25 0 4,097
ALPHABET INC CAP STK CL A 02079K305   593,457 3,932 SH   SOLE 0 0 0 3,932
ALTRIA GROUP INC COM 02209S103   328,612 7,534 SH   SOLE 0 0 0 7,534
AMAZON COM INC COM 023135106   2,360,106 13,084 SH   SOLE 0 40 0 13,044
AMERICAN ELEC PWR CO INC COM 025537101   210,440 2,444 SH   SOLE 0 0 0 2,444
APPLE INC COM 037833100   5,505,003 32,103 SH   SOLE 0 76 0 32,027
ASML HOLDING N V N Y REGISTRY SHS N07059210   793,077 817 SH   SOLE 0 0 0 817
AT&T INC COM 00206R102   378,095 21,483 SH   SOLE 0 0 0 21,483
AUTOMATIC DATA PROCESSING IN COM 053015103   1,014,741 4,063 SH   SOLE 0 0 0 4,063
BANK NEW YORK MELLON CORP COM 064058100   659,589 11,447 SH   SOLE 0 0 0 11,447
BERKLEY W R CORP COM 084423102   763,244 8,630 SH   SOLE 0 135 0 8,495
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,268,880 2 SH   SOLE 0 0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,628,253 3,872 SH   SOLE 0 0 0 3,872
BOEING CO COM 097023105   233,678 1,211 SH   SOLE 0 60 0 1,151
BROADCOM INC COM 11135F101   201,966 152 SH   SOLE 0 5 0 147
CAMPBELL SOUP CO COM 134429109   805,452 18,120 SH   SOLE 0 0 0 18,120
CATERPILLAR INC COM 149123101   1,239,337 3,382 SH   SOLE 0 0 0 3,382
CHEVRON CORP NEW COM 166764100   1,284,939 8,146 SH   SOLE 0 41 0 8,105
CHUBB LIMITED COM H1467J104   1,366,921 5,275 SH   SOLE 0 0 0 5,275
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   27,875 11,286 SH   SOLE 0 0 0 11,286
CISCO SYS INC COM 17275R102   210,525 4,218 SH   SOLE 0 0 0 4,218
CITIGROUP INC COM NEW 172967424   892,885 14,119 SH   SOLE 0 0 0 14,119
COCA COLA CO COM 191216100   1,035,853 16,931 SH   SOLE 0 95 0 16,836
CONOCOPHILLIPS COM 20825C104   201,877 1,586 SH   SOLE 0 0 0 1,586
CONSOLIDATED EDISON INC COM 209115104   201,503 2,219 SH   SOLE 0 0 0 2,219
COSTCO WHSL CORP NEW COM 22160K105   1,517,318 2,071 SH   SOLE 0 11 0 2,060
COTERRA ENERGY INC COM 127097103   827,723 29,689 SH   SOLE 0 0 0 29,689
CVS HEALTH CORP COM 126650100   1,218,199 15,273 SH   SOLE 0 25 0 15,248
DISNEY WALT CO COM 254687106   289,368 2,365 SH   SOLE 0 0 0 2,365
DOLLAR GEN CORP NEW COM 256677105   289,501 1,855 SH   SOLE 0 0 0 1,855
DOMINION ENERGY INC COM 25746U109   215,877 4,389 SH   SOLE 0 83 0 4,306
DUKE ENERGY CORP NEW COM NEW 26441C204   241,130 2,493 SH   SOLE 0 0 0 2,493
ELI LILLY & CO COM 532457108   1,089,313 1,400 SH   SOLE 0 0 0 1,400
EXXON MOBIL CORP COM 30231G102   1,900,020 16,346 SH   SOLE 0 10 0 16,336
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   4,622,954 178,699 SH   SOLE 0 339 0 178,361
FORTINET INC COM 34959E109   735,425 10,766 SH   SOLE 0 100 0 10,666
GABELLI UTIL TR COM 36240A101   221,640 39,935 SH   SOLE 0 2,176 0 37,759
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   527,659 8,353 SH   SOLE 0 0 0 8,353
HOME DEPOT INC COM 437076102   1,014,778 2,645 SH   SOLE 0 0 0 2,645
IDEXX LABS INC COM 45168D104   269,965 500 SH   SOLE 0 0 0 500
INTEL CORP COM 458140100   290,014 6,566 SH   SOLE 0 100 0 6,466
INTERNATIONAL BUSINESS MACHS COM 459200101   671,086 3,514 SH   SOLE 0 0 0 3,514
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370   7,719,899 87,986 SH   SOLE 0 756 0 87,230
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   231,220 1,365 SH   SOLE 0 0 0 1,365
INVESCO QQQ TR UNIT SER 1 46090E103   7,649,049 17,227 SH   SOLE 0 160 0 17,067
INVESCO VALUE MUN INCOME TR COM 46132P108   634,775 52,898 SH   SOLE 0 0 0 52,898
ISHARES GOLD TR ISHARES NEW 464285204   822,034 19,568 SH   SOLE 0 300 0 19,268
ISHARES SILVER TR ISHARES 46428Q109   326,071 14,333 SH   SOLE 0 743 0 13,590
ISHARES TR SELECT DIVID ETF 464287168   3,655,130 29,673 SH   SOLE 0 19 0 29,654
ISHARES TR TIPS BD ETF 464287176   628,129 5,848 SH   SOLE 0 360 0 5,487
ISHARES TR MSCI USA MIN VOL 46429B697   363,204 4,346 SH   SOLE 0 13 0 4,333
ISHARES TR MSCI USA QLT FCT 46432F339   10,514,654 63,977 SH   SOLE 0 582 0 63,396
ISHARES TR US AER DEF ETF 464288760   642,645 4,871 SH   SOLE 0 90 0 4,781
ISHARES TR ISHS 5-10YR INVT 464288638   237,461 4,602 SH   SOLE 0 407 0 4,195
ISHARES TR SP SMCP600VL ETF 464287879   3,046,794 29,650 SH   SOLE 0 32 0 29,618
ISHARES TR CORE S&P SCP ETF 464287804   387,500 3,506 SH   SOLE 0 10 0 3,496
ISHARES TR CORE S&P US GWT 464287671   9,249,159 78,911 SH   SOLE 0 824 0 78,087
ISHARES TR S&P 500 VAL ETF 464287408   264,883 1,418 SH   SOLE 0 0 0 1,418
ISHARES TR CORE S&P MCP ETF 464287507   7,012,329 115,448 SH   SOLE 0 103 0 115,345
ISHARES TR CORE S&P500 ETF 464287200   29,565,803 56,238 SH   SOLE 0 244 0 55,993
JOHNSON & JOHNSON COM 478160104   3,092,839 19,551 SH   SOLE 0 0 0 19,551
JPMORGAN CHASE & CO COM 46625H100   348,137 1,738 SH   SOLE 0 0 0 1,738
KELLANOVA COM 487836108   696,134 12,151 SH   SOLE 0 0 0 12,151
KIMBERLY-CLARK CORP COM 494368103   280,553 2,169 SH   SOLE 0 0 0 2,169
KLA CORP COM NEW 482480100   255,663 366 SH   SOLE 0 0 0 366
KROGER CO COM 501044101   768,595 13,453 SH   SOLE 0 0 0 13,453
LOCKHEED MARTIN CORP COM 539830109   900,326 1,979 SH   SOLE 0 0 0 1,979
LOWES COS INC COM 548661107   893,445 3,507 SH   SOLE 0 0 0 3,507
MCDONALDS CORP COM 580135101   1,522,989 5,402 SH   SOLE 0 22 0 5,380
MCKESSON CORP COM 58155Q103   297,935 555 SH   SOLE 0 0 0 555
MERCK & CO INC COM 58933Y105   526,257 3,988 SH   SOLE 0 0 0 3,988
META PLATFORMS INC CL A 30303M102   1,123,095 2,313 SH   SOLE 0 0 0 2,313
MICROSOFT CORP COM 594918104   3,263,702 7,757 SH   SOLE 0 62 0 7,695
NETFLIX INC COM 64110L106   223,497 368 SH   SOLE 0 0 0 368
NORTHROP GRUMMAN CORP COM 666807102   937,537 1,959 SH   SOLE 0 0 0 1,959
NVIDIA CORPORATION COM 67066G104   1,795,971 1,988 SH   SOLE 0 41 0 1,947
PALO ALTO NETWORKS INC COM 697435105   984,510 3,465 SH   SOLE 0 52 0 3,413
PARKER-HANNIFIN CORP COM 701094104   670,710 1,207 SH   SOLE 0 0 0 1,207
PEPSICO INC COM 713448108   873,951 4,994 SH   SOLE 0 0 0 4,994
PFIZER INC COM 717081103   490,280 17,668 SH   SOLE 0 0 0 17,668
PHILIP MORRIS INTL INC COM 718172109   436,219 4,761 SH   SOLE 0 0 0 4,761
PROCTER AND GAMBLE CO COM 742718109   717,024 4,419 SH   SOLE 0 0 0 4,419
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   533,940 7,996 SH   SOLE 0 0 0 7,996
RTX CORPORATION COM 75513E101   375,576 3,851 SH   SOLE 0 0 0 3,851
SCHWAB CHARLES CORP COM 808513105   614,169 8,490 SH   SOLE 0 0 0 8,490
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   346,869 1,665 SH   SOLE 0 0 0 1,665
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   3,489,383 53,151 SH   SOLE 0 40 0 53,111
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,688,101 18,196 SH   SOLE 0 12 0 18,184
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   396,907 2,158 SH   SOLE 0 0 0 2,158
SENSEONICS HLDGS INC COM 81727U105   10,622 20,000 SH   SOLE 0 0 0 20,000
SNAP ON INC COM 833034101   590,423 1,993 SH   SOLE 0 0 0 1,993
SOUTHERN CO COM 842587107   390,678 5,446 SH   SOLE 0 0 0 5,446
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   7,620,362 19,158 SH   SOLE 0 119 0 19,039
SPDR GOLD TR GOLD SHS 78463V107   1,044,429 5,077 SH   SOLE 0 56 0 5,021
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   3,285,186 91,663 SH   SOLE 0 70 0 91,593
SPDR S&P 500 ETF TR TR UNIT 78462F103   973,233 1,861 SH   SOLE 0 11 0 1,850
STARBUCKS CORP COM 855244109   522,404 5,716 SH   SOLE 0 0 0 5,716
STARWOOD PPTY TR INC COM 85571B105   268,698 13,217 SH   SOLE 0 179 0 13,038
TELOS CORP MD COM 87969B101   112,320 27,000 SH   SOLE 0 0 0 27,000
TELUS CORPORATION COM 87971M103   205,753 12,852 SH   SOLE 0 0 0 12,852
TESLA INC COM 88160R101   1,112,751 6,330 SH   SOLE 0 0 0 6,330
TRANE TECHNOLOGIES PLC SHS G8994E103   370,987 1,236 SH   SOLE 0 0 0 1,236
TRAVELERS COMPANIES INC COM 89417E109   945,329 4,108 SH   SOLE 0 34 0 4,074
TRUIST FINL CORP COM 89832Q109   695,132 17,833 SH   SOLE 0 394 0 17,439
UNITED PARCEL SERVICE INC CL B 911312106   687,019 4,622 SH   SOLE 0 0 0 4,622
VALLEY NATL BANCORP COM 919794107   85,090 10,690 SH   SOLE 0 550 0 10,140
VANGUARD INDEX FDS GROWTH ETF 922908736   311,399 905 SH   SOLE 0 0 0 905
VANGUARD INDEX FDS VALUE ETF 922908744   512,973 3,150 SH   SOLE 0 0 0 3,150
VANGUARD INDEX FDS SM CP VAL ETF 922908611   912,018 4,753 SH   SOLE 0 100 0 4,653
VANGUARD WORLD FD INF TECH ETF 92204A702   226,075 431 SH   SOLE 0 0 0 431
VERIZON COMMUNICATIONS INC COM 92343V104   679,924 16,204 SH   SOLE 0 0 0 16,204
VERU INC COM 92536C103   14,002 20,000 SH   SOLE 0 0 0 20,000
VISA INC COM CL A 92826C839   239,264 857 SH   SOLE 0 0 0 857
WALMART INC COM 931142103   1,201,713 19,972 SH   SOLE 0 36 0 19,936
WILLIAMS COS INC COM 969457100   218,901 5,617 SH   SOLE 0 0 0 5,617